document
  prefix app <https://explain.openprovenance.org/creditscoring/>
  prefix uuid <urn:uuid:>
  prefix pl <http://openprovenance.org/ns/plead#>
  prefix cs <http://openprovenance.org/ns/creditscoring#>
  prefix csd <https://explain.openprovenance.org/creditscoring/ns#>
  
  wasGeneratedBy(app:decisions/1092, uuid:a27ecc05-b16c-484c-bafe-5724b1589cb0, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:a27ecc05-b16c-484c-bafe-5724b1589cb0, 2026-06-15T17:19:37.317000+01:00, 2026-06-19T11:28:33.122000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1092, app:applications/448, -, -, -)
  wasAssociatedWith(uuid:a27ecc05-b16c-484c-bafe-5724b1589cb0, app:the_bank, -)
  used(uuid:a27ecc05-b16c-484c-bafe-5724b1589cb0, app:applications/448, -)
  wasAttributedTo(app:decisions/1092, app:the_bank)
  entity(app:applications/448)
  entity(app:decisions/1092, [pl:created_at="2026-06-19T11:28:33.122966" %% xsd:dateTime, cs:result='cs:rejected', prov:type='pl:RejectionDecision', prov:type='pl:Decision', prov:type='pl:AutomatedDecision', prov:type='cs:CreditDecision', pl:reason='cs:low_credit_score'])
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1092, uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, -)
  activity(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, 2026-06-15T17:19:37.317000+01:00, 2026-06-19T11:28:33.122000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3)
  wasDerivedFrom(app:recommendations/1092, app:records/3622, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3624, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3627, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3633, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3614, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3630, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3632, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3631, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3628, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3621, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3629, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3617, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3626, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:creditreports/1092, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3620, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3625, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:applications/448, -, -, -)
  wasDerivedFrom(app:recommendations/1092, app:records/3623, -, -, -)
  wasAssociatedWith(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:machines/one, app:models/creditcard_assessment)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3624, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3629, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3633, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3632, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3630, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3620, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:creditreports/1092, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3625, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3622, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3626, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3627, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3614, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3628, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3617, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3631, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3621, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:records/3623, -)
  used(uuid:535a4447-69e3-4b8e-95bb-2b4e3e2051c3, app:applications/448, -)
  wasAttributedTo(app:recommendations/1092, app:machines/one)
  entity(app:records/3631)
  entity(app:records/3620)
  entity(app:records/3630)
  entity(app:recommendations/1092, [pl:created_at="2026-06-19T11:28:33.122966" %% xsd:dateTime, prov:type='pl:AutomatedRecommendation', prov:type='cs:AutomatedRecommendation', cs:credit_score_threshold=739, pl:reason='cs:low_credit_score', cs:recommendation='cs:rejected'])
  entity(app:records/3626)
  entity(app:records/3625)
  entity(app:records/3614)
  entity(app:records/3628)
  entity(app:records/3617)
  entity(app:records/3627)
  entity(app:records/3633)
  entity(app:records/3622)
  entity(app:records/3632)
  entity(app:records/3621)
  entity(app:records/3624)
  entity(app:records/3623)
  entity(app:models/creditcard_assessment)
  entity(app:applications/448)
  entity(app:creditreports/1092)
  entity(app:records/3629)
  wasDerivedFrom(app:decisions/1092, app:recommendations/1092, -, -, -)
  entity(app:decisions/1092)
  entity(app:recommendations/1092)
  agent(app:applicants/448, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Vanessa Sykes"])
  wasAttributedTo(app:applications/448, app:applicants/448)
  entity(app:applications/448, [cs:attr_annual_income=80000, pl:created_at="2026-06-15T17:19:37.317719" %% xsd:dateTime, cs:attr_prev_address="263 Sara via, Garrymouth, S0D 0RN", cs:attr_address="5 Brown spur, Bradshawfurt, E7S 4WW", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="2005-07-27" %% xsd:date, cs:attr_emp_title="Hospital pharmacist", cs:attr_home_ownership=2, cs:attr_phone_number="+44306 999 0095", cs:attr_email_address="bishopbryan@example.com", cs:attr_applicant_name="Vanessa Sykes", cs:attr_emp_length=0])
  wasDerivedFrom(app:applications/448/id, app:applications/448, -, -, -)
  entity(app:applications/448)
  entity(app:applications/448/id, [cs:attr_prev_address="263 Sara via, Garrymouth, S0D 0RN", cs:attr_address="5 Brown spur, Bradshawfurt, E7S 4WW", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="2005-07-27" %% xsd:date, cs:attr_applicant_name="Vanessa Sykes"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1092, uuid:c8184dfd-bab2-4165-bb4f-c0121a9bcfc3, -)
  activity(uuid:c8184dfd-bab2-4165-bb4f-c0121a9bcfc3, 2026-06-19T11:28:33.115000+01:00, 2026-06-19T11:28:33.115000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1092, app:applications/448/id, -, -, -)
  wasAssociatedWith(uuid:c8184dfd-bab2-4165-bb4f-c0121a9bcfc3, app:providers/1, -)
  wasAttributedTo(app:creditreports/1092, app:providers/1)
  used(uuid:c8184dfd-bab2-4165-bb4f-c0121a9bcfc3, app:applications/448/id, -)
  entity(app:creditreports/1092, [pl:created_at="2026-06-19T11:28:33.115674" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=506])
  entity(app:applications/448/id)
  wasDerivedFrom(app:creditreports/1092, app:records/3613, -, -, -)
  wasDerivedFrom(app:creditreports/1092, app:records/3632, -, -, -)
  wasDerivedFrom(app:creditreports/1092, app:records/3633, -, -, -)
  wasDerivedFrom(app:creditreports/1092, app:records/3612, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3612, app:providers/2)
  entity(app:records/3612, [pl:created_at="2026-06-07T00:00:00" %% xsd:dateTime, cs:attr_address="5 Brown spur, Bradshawfurt, E7S 4WW", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2023-11-01" %% xsd:date])
  agent(app:providers/13, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="VOXI"])
  wasAttributedTo(app:records/3613, app:providers/13)
  entity(app:records/3613, [pl:created_at="2026-06-18T21:31:13.622829" %% xsd:dateTime, cs:attr_prev_address="263 Sara via, Garrymouth, S0D 0RN", cs:attr_first_confirmed="2026-06-10" %% xsd:date, cs:attr_address="5 Brown spur, Bradshawfurt, E7S 4WW", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-10-17" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3632, app:providers/14)
  entity(app:records/3632, [pl:created_at="2026-06-19T11:28:33.120980" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jun-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="13.2" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3633, app:providers/14)
  entity(app:records/3633, [pl:created_at="2026-06-19T11:28:33.121993" %% xsd:dateTime, cs:attr_payment_amount="0.33" %% xsd:float, cs:attr_month="May-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="13.2" %% xsd:float])
endDocument